Can I get a refund of premiums if I cancel my long term disability insurance policy after holding it for twenty years in New York
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can I get a refund of premiums if I cancel my long term disability insurance policy after holding it for twenty years in New York
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
New York Department of Financial Services disability insurance cancellation return of premium policy provisions individual disability insurance Google ↗
New York insurance law disability income policy return of premium benefit cancellation refund premiums Google ↗
- N.Y. Comp. Codes R. & Regs. Tit. 11 § 52.16 - Prohibited provisions and coverages | State Regulations | US Law · law.cornell.edu
- NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES · dfs.ny.gov
- NYS Open Legislation · nysenate.gov
- insurance complaint portal · dfs.ny.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York Department of Financial Services disability insurance cancellation return of premium policy provisions individual disability insurance OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
New York insurance law disability income policy return of premium benefit cancellation refund premiums OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |